Rate Information

**ALL RATES ARE SUBJECT TO CHANGE**

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Loan Application

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 11/1/2011.
Rate Description	Term	Payment Description	APR	APR Type
New/Nearly new Vehicles **	Up to 36 months	Monthly	2.40%	Fixed
Current or previous year	Up to 60 months		3.40%	Fixed
with less than 8,000	Up to 72 months		3.40%	Fixed
Used Vehicles**	Up to 36 months	Monthly	2.90%	Fixed
**	Up to 60 months		3.90%	Fixed
Less 6 years old	Up to 72 months		4.90%	Fixed
Older Vehicles**	Up to 36 months	Monthly	6.40%	Fixed
******	****	***	**	Fixed
MOTORCYCLES, MOTOR HOMES, CAMPERS, 5TH WHEELS,TRAVEL TRAILERS, & BOAT LOANS			**	Fixed
TO $2,499**	Up to 36 months	Monthly	7.50%	Fixed
$2,500 to 4,999	Up to 48 months		7.50%	Fixed
$5,000 to 9,999	Up to 60 months	Monthly	7.50%	Fixed
$10,000 to 14,999	Up to72 months		8.50%	Fixed
$15,000 to 29,999	84 Months		8.50%	Fixed
$30,000 and over	Up to 120 months		9.00%	Fixed
*************	*************	*************	*********	Fixed
SNOWMOBILE, ALL TERRAIN VECHICLES & PERSONAL WATERCRAFTLOANS			**	Fixed
New/Current year	Up to 48 months	Monthly	8.25%	Fixed
Used 1 to 5 yrs Old	Up to 48 months		9.50%	Fixed
Used 6 yrs and older	Up to 24 months		10.50%	Fixed
SIGNATURE, LINE OF CREDIT, OPEN-END LOAN	Unsecured	Monthly	12.50%	Variable
100% SHARE SECURED	Up to 60 Months		2.40%	Fixed
HOME EQUITY LINE-OF-CREDIT		See Credit Union for details	4.00%	Variable

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 11/1/2011.
Rate Description	Term	Dividend Rates	APY
$3000 Min	12 Months pd quarterly	0.65%	0.65%
$5000 Min	24 Months pd quarterly	0.85%	0.85%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 11/1/2011.
Rate Description	Term	Dividend Rates	APY
SAVING/SHARES	Annual Dividend Rate-Paid Quarterly	0.20%	0.20%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

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Copyright 2011 Eaton Employees Credit Union
14900 Technology Drive
Eden Prairie, MN 55344
Questions or comments, please contact us.